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Nearly two-thirds of respondents to a 2017 apartment list survey, for example, will need more than five years to save a 10 percent down payment. Make sure to include other expenses of buying a home when you budget for your down payment. You might decide to decrease your down payment to keep more cash on hand for an emergency home repair.

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It could take you 17 years to save for a down payment on a house, Zillow says. In tech hubs like Seattle, the numbers are even more daunting. While it might take about 11 years, as a single homebuyer, to save for a median-priced home as a whole in the United States, in Seattle that timeframe jumps to 17.1 years.

For our two subsequent homes we’ve used the proceeds from the sale of one as a down payment on the other, and we lived in each home for 7-8 years, so I guess you could say that’s how long it took for us to "save" the money.

If your goal is to save $5,000 in a year for a down payment on a home, you’ll need to set aside roughly $96 every week in order to meet your goal. Once you know how much you have to set aside every week (or payday) you can start attacking your plan and making progress.

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But when buying a house, you should plan on staying put for at least three to five years, so as to recoup the initial purchase costs (around 2-5% of the purchase price). If the real estate market drops, it could take longer than that for the value of your home to recover.